Choosing a suitable Pay as You Go contract


Those who already have phones will find the pay as you go contracts extremely useful. The PAYG, as it is commonly known allows the user to only top up credit when they need it. After using all the credit, one cannot make calls, text or use data unless they top up again. Those who find themselves not using their mobile phones as much will find this deal ideal among the three options often available to UK mobile phone users.

The pay as you go deal offers several advantages to those who choose this route. Subscribers will get great value for their money. There is no need for the minimum monthly charges normally associated with the monthly contracts. Since the user only tops up credit and uses it, there are no nasty surprises as far as unwelcome bills are concerned. Unlike the monthly contracts and the SIM only contracts, there are no long or short term contractual obligations involved. One can therefore walk away any time they want. Carriers normally carry out credit checks before giving out monthly contracts. For the pay as you go deal, there is no credit check. Those whose credit ratings are not the best will therefore greatly benefit from no credit check mobile phones. Unlike the monthly pay contracts, the pay as you go deal will also be available to under 18s.

The choice of mobile phone service to go with typically depends on the amounts one spends on their contracts every month. Users who spend less than £10 every month are better off signing for the pay as you go contract. The market has many service providers available, and even those already on the PAYG deal can still benefit from shopping around and looking for cheaper alternatives.

The first step in the pay as you go contract process is to choose a PAYG phone. After settling on the best phone, top up credit and enjoy the network’s text, minute or data offerings. When the credit runs out, simply top up again and continue enjoying the services. There are many ways through which one can top up their phones. There is the online option, over the phone or via a text message. Another common method is to buy vouchers, which are commonly available in supermarkets or cash machines.


The market has numerous options when it comes to choosing a network. The four major service providers, EE, Vodafone, 3 and O2 offer good deals. However, to expand one’s choices it might be prudent to check out the options provided by the other service providers, like Tesco, Virgin, Giff gaff, Asda and Talk mobile. These virtual operators piggy back on the major networks to provide cheaper services.

Even with the individual service provides, there are many options to choose from. For instance, one might go for the typical pay as you go, buying credit and using it directly. However, take 3 for instance. Their tradition 321 deal might also be helpful. This package costs 3p per minute for calls, 2p for every test and 1p for every MB of data.


Choosing an Appropriate Mobile Phone Deal



The first step in choosing the best mobile phone deal is the choice of one of the three options available to UK subscribers.

  • The pay as you go option, or PAYG, is for light users that spend around about £10 every month
  • The monthly pay contract is suitable for those who wish to buy a pricey top of the range handset
  • The SIM only contract is suitable for the heavy users who already own a handset

Strictly speaking, there is no better alternative than the other. The choice of deal will ultimately depend on one’s situation and the amount of money they are willing, or normally spend on their phone every month. Here is an overview of the different options;

Pay as you go

With the pay as you go option, there is no need for a monthly fee. Also, one does not have to sign for any direct debit agreements. The pay as you go deal involves one paying for their mobile phone usage through the normal topping up of the credit in advance. After using up all the topped up credit, one will not be able to use their phones again until they top up. This option is ideal for those light users that spend between £10 and £15 every month.

Mobile phone contract

The traditional mobile phone contract will be spread over 12, 18 or 24 month periods. In this deal, one pays a fixed monthly fee by direct debit. With this, they get a free handset, normally subsidized, and a fixed number of minutes, texts and data. Typically, one has to commit to the length of the contract. Depending on the type of phone one wants with the deal, there might be need for an upfront fee. This deal is often helpful for those who desire the very latest smartphones but are not able to pay a large upfront amount. It is also suitable for those who run up large monthly phone bills regularly.

The third option is SIM only, where one gets a new SIM card, but not a new handset. There is still the typical allowance of calls, texts and data, all in different amounts and prices for one to choose depending on their usage every month. The monthly cost will, however, often be lower than it would for the regular monthly pay contracts. Another advantage of SIM only contracts is that unlike the lengthy contract mobile phone deals, the SIM only will typically only tie one down for a month.

In addition to the choice of contract, there are other factors to consider when buying a handset. For instance, many networks will typically offer mobile phone insurance with the phone deal. While these are necessary, they are often relatively pricey. Before taking out the insurance, one should find out whether their home insurance already covers the handset. Even after deciding on the type of deal to choose, do not simply settle on the first offer. Shop around a little and see what the other service providers have to offer.